Take a consumer loan at VTB. Vtb loan Vtb 24 loan conditions

VTB 24 is the third largest domestic bank. Its credit programs are very popular among the population. Especially in demand in 2018 is the direction of consumer lending. Owners of various incomes can apply for a loan, since the bank offers flexible conditions and the possibility of deferred payments.

VTB 24 issues consumer loans on a general and preferential basis. General rules apply to new clients who have not yet managed to establish themselves on the positive side. "Old" borrowers are offered more favorable terms with extended terms and low interest rates.

Privileges for consumer loans apply to citizens who receive wages through VTB 24, employees of partner companies and former borrowers with a positive credit history.

Conditions for obtaining a consumer loan in 2018

• size - 100,000 rubles - 5,000,000 rubles (for payroll clients), 3,000,000 rubles (for other categories);
• interest rate - 12.9% - 19.9% ​​with an amount of 100,000 - 500,000 rubles, 12.5% ​​-13.5% with an amount over 5,000,000 rubles .;
• the term of the contract for payroll clients is 7 years, for other categories - 5 years;
• early repayment without commission and additional charges is allowed;
• financial holidays and deferrals are allowed;
• the maximum return period for payroll clients is up to 84 months, for other categories - up to 60 months;
• currency - rubles;
• form of issue - in cash or by transfer to a card;
• pledge of real estate, guarantee - not required;
• purpose is consumer.

The application is considered within 1 business day. As a rule, it takes 2-3 hours to obtain prior consent, i.e. one visit to the bank.

List of documents

To apply for a consumer loan at VTB 24, you need passport, SNILS, certificate in the form 2-NDFL or other document confirming official income. Individual entrepreneurs can submit a declaration or bank account statement for the previous six months.

Citizens who plan to take a loan today in the amount of 5 million rubles, a notarized copy of the work book with an up-to-date employment record is attached to the specified list. Clients of preferential categories present only 2 documents: passport and SNILS.

Upon receipt of prior consent in the form of an SMS notification, the papers should be transferred to the VTB 24 branch. They will be considered for 1-3 business days, after which the citizen will receive a final decision on the provision of a consumer loan or refusal.

The main reason for refusal is lack of income. With an increase in wages or other improvement in the financial situation, a citizen can re-apply and count on a positive result.

Online application

You can apply for a consumer loan in person, at the nearest VTB 24 office or on the official website of the bank online. Before submitting, the following information must be entered into the form:

• surname, name, patronymic (in strict accordance with the spelling in the passport);
• date of birth;
• Mobile phone number;
• email address;
• documented income information;
• employer data (name, TIN, address)

The verdict on the application is rendered within 15-20 minutes, after which a notification is sent to the specified phone number. If the answer is positive, the applicant is invited to visit the VTB 24 branch with documents.

Requirements

Not everyone can get a loan for consumer purposes at VTB 24. To do this, an individual must be an adult resident of the Russian Federation, have a confirmed income, i.e. be officially employed or have the status of an individual entrepreneur, as well as have a permanent registration at the location of the bank's office.

How to pay off a loan?

There are several ways to repay consumer credit obligations:

• Cash through the VTB 24 cash desk - funds are received instantly to a special account opened in the name of the payer;
• Through an ATM - for this, an ATM is used, which has the option of a cashless transfer. The payment goes to the recipient's account immediately;
• From card to card - the operation is performed using a special service on the VTB 24 website. For payment, the card numbers of the recipient and sender, the amount of the contribution are indicated. Transfer occurs within 3 days after payment;
• Through VTB-online (personal account) - you need to set up the automatic payment function indicating the date of monthly debiting. Subsequently, the operation will take place independently, without the participation of the payer. Funds are debited from a card or current account. The transfer is processed within a few minutes;
• Cash via Russian Post - funds are deposited 7 days before the date of payment. A special mail order form is issued at the VTB 24 branch;
• Through terminals of any payment systems with the function of repaying a loan;
• Through the Golden Crown - Loan Repayment service.

VTB 24 allows early repayment of part or all of the cost of a consumer loan. There is no commission or other additional fees charged. An application for early fulfillment of obligations is submitted to the bank manager or online. Then the available amount is entered.

With full repayment, the contract is canceled, with partial - the term of its validity is reduced.

Is it possible to refuse?

A citizen has the right to refuse to use the received loan at any time after the conclusion of the contract. To do this, he must return the money with interest accrued for the time when the loan was actually with him. The bank does not require any additional payments.

Can I get credit holidays?

A borrower who finds himself in a difficult financial situation can count on two types of credit holidays. First- This is a deferment of the principal debt, when only discount interest is paid within 3 months. The amount of the unpaid main obligation is divided into several parts and added to subsequent monthly installments.

Second type of vacation - this is the opportunity to skip one planned contribution for 6 months. Provided that from the date of signing the transaction has passed not less than 180 days.

Penalties for delay

For late payment of the monthly fee, a penalty in the amount of 0,1% from the value of the outstanding payment for each day of delay. If the debtor within 90 days does not fulfill the debt obligation, the bank collects the debt in court.

As for the assignment of the right to claim a debt to a collection firm, it can only be done with the official consent of the debtor. In the absence of consent, the creditor is not entitled to carry out this operation independently.

Do you need insurance?

When applying for a consumer loan at VTB 24, insure life and health not necessary. The client, if desired, can conclude an insurance contract in one of the directions offered by the bank. The absence of such an agreement does not deprive him of the right to receive a loan and any benefits on it.

VTB Group offers its users a program "Financial Reserve", which is divided into two directions "Financial reserve Life +", "Financial Reserve Profi". They include insurance risks such as death from illness or accident, temporary or permanent disability. When they occur, the insurance company will repay the debt to the bank for the borrower, which will free his relatives from this obligation. The insurance is valid for the entire term of the loan agreement.

The conclusion of an insurance transaction is made on the basis of the general terms and conditions of participation. Special insurance rules have been developed for residents of Moscow and St. Petersburg. You can get acquainted with those and others on the official website of VTB 24.

What types of loans are available at VTB Bank today

In 2020, VTB issues consumer loans without requiring any collateral from the public, such as a guarantor or pledge of liquid property. Funds for personal needs can be obtained by confirming only their financial capabilities and employment.

To date, the bank has three consumer lending programs. They are designed for:

1. ordinary individuals (basic conditions);

For each category of borrowers, there are different conditions for consumer lending programs (term and amount of lending). And interest rates today vary not only depending on the category of client, but also on the amount of borrowed funds.

In addition, all customers are given the opportunity to receive a discount to the rate by actively using a debit or credit VTB Multicard.

VTB loans for individuals in 2020: interest and conditions

In this review, the site will analyze under what conditions and at what percentage customers of different categories can get a loan from VTB Bank, and what documents are needed for this.

1

VTB consumer loan: basic conditions

On basic or standard terms, so-called "customers from the street" can receive money in the bank. That is, those who do not receive a salary on the VTB card. The bank knows nothing about their financial discipline and capabilities, and therefore issues a smaller amount and for a shorter period than for payroll clients. But still this money should be enough for consumer spending.

Conditions

Interest rates

Without VTB Multicard

See also 10 banks with low interest rates on loans - an overview >>

2

VTB cash loan for payroll clients

VTB payroll card holders can get more money than street clients, and for a longer period. Interest rates for them today are more favorable.

Interest rates

Without VTB Multicard

Compare:

Loans without collateral and guarantors at Rosselkhozbank -

All Sberbank loans to individuals - an overview >>

VTB loan for non-working pensioners

This program is designed for consumer lending to pensioners, please note, non-working. Including the military.

Why did the bank single out non-working pensioners? Yes, because those who work can already receive money under other programs: on basic terms or for payroll clients.

And so VTB pulled up clients that had previously been left behind and could not receive borrowed funds. The lending conditions for them are as follows.

Conditions for non-working pensioners

Interest rates for non-working pensioners

Interest rates for military pensioners

With insurance	Without insurance
8,9% – 13,2%	12,9% – 18,2%

Credit calculator

VTB loan discounts with Multicard

In the event that you plan to borrow money from VTB or have already issued a consumer loan at this bank, then it would be useful to know how to get a significant discount on the interest rate.

If you issue a VTB credit or debit Multicard and connect the “Borrower” option, you can save on loan payments every month.

Well, if the bank today gives such an opportunity, why not take advantage of it?

How to reduce the loan rate with VTB Multicard

To do this is quite simple.

✓ First of all, you need to issue a credit or debit VTB Multicard.

✓ Then connect the "Borrower" option in VTB-Online or by phone.

✓ After that, pay with a card in stores in the amount of at least 5 thousand rubles per month.

All! The bank will recalculate the rate and payment on the loan every month depending on the amount of your purchases on the Multicard.

The more you spend from your Multicard (debit or credit), the higher your discount to the consumer loan rate will be.

Amount of purchases per month	Debit.	Credit.

As you can see, even if you pay with a debit Multicard in stores for only 5-15 thousand rubles a month, and these are quite ordinary expenses for an average family, you can get a 0.25 percent discount on a loan.

How does the discount work?

The client does not have to fill his head with calculations. The payment schedule for the loan does not change. You will continue to transfer to VTB the usual amount of the regular monthly payment. And the bank will recalculate the amount of the payment, taking into account the discount received in this month and return the difference to your card.

Compare:

Interest on loans for individuals in Alfa-Bank >>

Who can take a consumer loan at VTB Bank today

1 A consumer cash loan at VTB today can be taken by Russian citizens who have permanent registration in the region where the bank is present.

2 It is also required to have at least 1 year of work experience.

3 In addition, the average monthly official income of the borrower must be at least 15,000 rubles per month.

4 You can also apply for a cash loan for those who work without a work book or contract. But the loan amount in this case will be limited to 500,000 rubles. For applications over 500,000 rubles, official confirmation of employment is required.

Individual entrepreneurs are not provided with consumer loans at VTB Bank today.

What documents are needed to apply for a loan

To obtain a consumer loan in the VTB bank, individuals must submit the following documents to the bank:

Passport of a citizen of the Russian Federation;
SNILS;
certificate 2-NDFL confirming income for the last 12 months;
a copy of the work book or contract (with the requested amount from 500,000 rubles).

For holders of VTB payroll cards, it is enough to provide a passport of a citizen of the Russian Federation and SNILS.

For pensioners, documents confirming the pension status and the amount of the pension will also be required.

How to get a loan from VTB Bank

Getting a consumer loan at VTB Bank today is quite simple.

1 First of all, make a preliminary calculation of the loan on the loan calculator. This is necessary so that you understand how much money you will have to give to the bank every month during the repayment of the loan. If this amount does not scare you, proceed to the application.

2 Fill out the Application on the Bank's website. Within a few minutes you will receive an SMS with a preliminary decision of the Bank.

3 Prepare the documents and deliver them to the office that you indicated when filling out the application. Within 1-3 working days they will be reviewed, after which you will receive an SMS with the final decision.

4 Receipt of money is possible only after you receive the final approval of the loan. You will only have to conclude a loan agreement. And the money will come to your account or card.

For holders of VTB payroll cards, a decision and issuance of a loan can be made immediately upon a visit to the bank's office.

How to return money

VTB consumer credit is repaid in monthly annuity (equal) payments. This is done very simply, if there was money.

Funds can be debited automatically from the client's card or account on a certain day. And your task is to ensure that by this date there are always funds in the required amount on the account.

Is it possible to repay the loan early

Of course you can. Partial or full early repayment of the loan is carried out without restrictions and without additional fees.

Compare:

Loans without collateral and guarantors at Raiffeisenbank >>

Consumer loan at Home Credit Bank >>

Do I need to pay insurance when applying for a VTB loan

Of course, when applying for a loan, you will be offered to conclude an insurance contract. But you have the right to refuse.

VTB Bank claims that the refusal of insurance will not affect the decision to issue a loan.

True, the practice is such that the interest rate on a loan without insurance may be higher.

What bonuses does VTB have for borrowers?

When applying for a consumer loan at VTB Bank, you can connect additional services.

✓ Preferential payment. The “Preferential payment” service will allow reducing the amount of first payments (up to 3 pcs.), which will consist only of interest on a loan without principal. The service is provided free of charge.

✓ Credit holidays. The "Credit Holidays" service allows you to skip any one payment every six months (not earlier than 6 months from the date of issuance of the loan and not later than 3 months before the end of the loan). The missed payment is shifted to the next period with a simultaneous increase in the loan term. The service is provided free of charge.

Do you know that…

A loan may be denied today due to high personal income tax

Before applying for a loan, try to at least roughly calculate your Debt Burden Index (DLR). It represents the ratio of monthly payments on loans to the total income of the client, confirmed by documents.

Today, all banks and MFIs must necessarily calculate the personal income tax of each client who plans to borrow more than 10,000 rubles. If he is high, then the money will most likely be refused.

How to reduce PTI and increase the likelihood of approval

This can be done in two ways.

✓ If you plan to take out a loan for a large amount, try to pay off your other loans as much as possible. Refuse including credit cards, as their limit will also be taken into account for you as a minus.

✓ Show your income as much as possible, including non-obvious ones. For example, a contract for renting an apartment for a period of a year or others. Unless, of course, you have them.

What are the most common loans from VTB Bank?

According to the press service of the bank, most often cash loans are taken for repairs in an apartment, for the purchase of expensive equipment, furniture or for the purchase of a car.

The share of men in bank disbursements is 58%, women - 42%. The average loan size for men is 691 thousand rubles, and for women - 645 thousand rubles.

Don't Forget About Lending Risks

Borrowed funds should be taken for the necessary needs. Loans can help with essential purchases, health care, and education. But spending that is too expensive and will become a burden on the family budget should be avoided, says the director of the National Association of Professional Collection Agencies (NAPCA). When a loan is taken to close some hole in the budget, defaults and delays in payments begin, he says.

Summing up

VTB Bank today ranks second after Sberbank in terms of loans issued to the population. This suggests that consumer lending services are in great demand. A number of reasons contribute to this.

First of all, perhaps, it is a wide network of regional branches of the bank. Applying for money in VTB for the population of Russia is as usual as in the Security Council of the Russian Federation.

The popularity of bank loans is also facilitated by simple and understandable conditions, as well as relatively low interest rates.

Previously, VTB positioned itself as a bank for influential decision makers. But today in the line of loans there is a special offer for non-working pensioners, which makes VTB more democratic.

“VTB strives to increase the availability of banking products for the population, and against the backdrop of an improving macroeconomic situation and a reduction in the key rate, we have decided to improve the conditions for issuing loans to customers. 7.5% is one of the best conditions on the Russian retail market, allowing consumers to realize their financial plans in the coming spring with the maximum benefit, ”comments , Head of the Retail Products Department, Senior Vice President of VTB.

Contacts for information and consultations

Official site:

8 800 100-24-24 Free for Russian regions.

General license of the Bank of Russia No. 1000.

The information is not a public offer.

According to customer reviews, VTB is the second most reliable bank in Russia. The bank has been enjoying such authority among regular and potential customers for a long time and the reason for this was VTB's profitable loans to individuals with a low interest rate and long loan terms.

For what purposes and terms do loans at VTB give?

The bank's line of consumer loans includes 3 products for use for any purpose and need. This means that the client can spend the money as he sees fit. For example, to pay for education for a child (university, college, technical school, etc.)

Very often, borrowers borrow money to build their own house, extension, bathhouse, etc.

Expensive purchases are an equally popular reason why people take VTB loans to individuals. Borrowers spend this money on new home furniture, appliances, repairs, travel abroad, medical treatment, and so on.
There is also a loan to refinance loans in other banks.

Among other things, the bank is ready to offer potential borrowers profitable targeted loans for the purchase of a car or their own real estate (apartment, town house, country house, etc.)

If we talk about the terms of lending, then they completely depend on the selected VTB loan to individuals. Consider the detailed loan terms in the table:

VTB loan terms and interest rates

Loan conditions at VTB for individuals depend on the amount and term that suit the borrower. So, for example, if a client wants to receive a small amount for a long period, the “Convenient” loan is suitable for him, which is issued for a long period with a minimum amount.

If you plan to pay off the loan within 3 years, then it is better to apply for a “Quick” loan, which is issued at the lowest rate.

A large loan is issued for a long period with maximum amounts. The overpayment here will be average.

The final interest rates on VTB loans depend on the client's solvency and credit history. Also, the minimum overpayment awaits borrowers who receive wages on VTB cards, or employees of partner companies.

Citizenship of the Russian Federation

Age from 21 to 70 years

Permanent registration in the region of the bank's presence

Income from 15 tr.

No more than 6 refinanced loans and credit cards

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Min. rate 12%

Max. term 60 months

Russian citizenship

Age from 21 to 70 years

Total experience from 1 year

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Max. the amount is 5,000,000 rubles.

Min. rate 15%

Max. term 60 months

Requirements for borrowers

• Russian citizenship
• Age from 21 to 70 years
• Positive credit history
• Total experience from 1 year
• The current term of employment is from 6 months.
• Permanent registration in Russia
• The minimum income is 15 thousand rubles.

Requirements for borrowers and list of documents

Potential customers of VTB Bank are individuals who are citizens of the Russian Federation aged 21 to 70 inclusive. This means that even an old-age pensioner with a pension certificate can get a VTB loan for individuals.

The borrower must have an official place of work with a salary of 30 thousand (for Moscow, Moscow Region, St. Petersburg and Leningrad Region), and from 20 thousand rubles. for other regions of the country. The length of service at the last workplace must exceed 6 months, and the total - 1 year.

Also, a potential client who wants to get a loan from VTB Bank for individuals must have a permanent registration in the region where he wants to get a loan.

Among the main documents required for obtaining a loan are:

1. Passport of a citizen of the Russian Federation
2. SNILS or TIN
3. Help 2NDFL, certificate of income in the form of a bank
4. A copy of the work book certified by the employer

At the same time, payroll clients who wish to apply for a loan in the amount of up to 500 thousand rubles can only provide a passport. With a loan over 500 thousand, additional documents will be required confirming solvency. For example, a certificate of ownership of real estate or a vehicle.

Loan calculator at VTB Bank

Using the VTB Bank loan calculator, each user will be able to calculate the loan and get the final result in the form of a payment schedule indicating the exact dates and amounts. From the detailed schedule, it will immediately be clear how much goes to pay off interest, and how much goes to pay the principal.

It is simple to use: you need to fill in the empty fields and click the "Calculate" button.

Go to the VTB website. Enter the loan amount and term to calculate loan parameters. If you want to apply for a loan, click "Fill out an application":

Enter your personal details - full name, date of birth and contact information. Click on the "Next step" button:

Enter your passport details and click on the "Next Step" button:

VTB will make a decision on the application within 15 minutes. The bank will send the answer via SMS.

To draw up a loan agreement and receive money, come to the office with a package of documents.

Requirements for the borrower

• Citizenship of the Russian Federation
• Permanent registration in the region where there is a VTB branch

Required documents

• RF passport
• Certificate of income for 6 months (2-NDFL or in the form of a bank)
• SNILS
• A copy of the work book or contract (for a loan of more than 500,000 rubles)

About bank

VTB is one of the backbone banks in Russia and heads the banking group of the same name. Founded in 1990 as the Bank for Foreign Trade of the Russian Federation, later renamed Vneshtorgbank, then VTB. In 2004, the bank participated in the restructuring of Guta-Bank, which was then transformed into VTB24. In 2016, the Bank of Moscow was merged with VTB. On January 1, 2018, VTB24 and the Bank of Moscow finally became part of VTB.

Now the bank is controlled by the state represented by the Federal Property Management Agency - it owns more than 60% of its shares. The head office of the bank is located in Moscow. The bank owns more than 27 branches, including two in China and India, as well as representative offices in China, Italy and Kyrgyzstan. The bank operates on the basis of a general license No. issued by the Central Bank on July 8, 2015.

Initially, VTB served corporate clients and large businesses. Among his clients in various ways were such companies as Gazprom, Rostelecom, M.Video, Synergy Group, RusHydro and others. After joining VTB24 and the Bank of Moscow, VTB began to serve private clients and small businesses. It offers its clients all the necessary services - from loans and deposits to guarantees and foreign exchange transactions.

You will learn how to enter your personal account on the official VTB website online. Detailed instructions for convenient and quick access to vtb.ru with screenshots and video instructions. A visual guide to recovering a forgotten password to a personal bank account. We provide only the most up-to-date information.

Answers to popular questions

Are there any special offers for VTB clients?

If you receive a salary on a VTB card, then the bank can issue you a loan on your passport. You do not need to provide a certificate of income and a copy of the work book. The decision to issue a loan to a payroll client is made by the bank immediately upon contacting the office

How to repay a VTB loan?

You can pay for a VTB loan at an ATM or bank cash desk. Through VTB-Online, a remote repayment service is available.

The bank will accept payment of the loan through the Russian Post office, the Golden Crown service - Repayment of loans or by bank transfer. When repaying through third-party organizations, consider the terms of the transfer and the possible commission of the sender.

Is it possible to defer loan payment?

VTB gives a deferment for paying the monthly payment in the form of the service "Credit Holidays". The service allows you to skip 1 loan payment. A missed payment increases the term of the loan. Credit holidays can be used after 6 months from the date of issue of the loan and no later than 3 months before the end of the loan agreement.

Being one of the most popular, most reliable and most stable financial institutions in the country, VTB is obliged to offer customers favorable lending terms. The Bank has developed several attractive, profitable loan options for borrowers that can help them make a large purchase or solve financial difficulties. The proposed conditions will be clear to any customers who decide to take a VTB 24 loan for individuals in 2020, and a calculator on the official website of the institution will allow you to calculate the monthly payments and the total amount of the overpayment. As a result, borrowers will know the terms offered to them even before applying for money.

Despite the demand for lending, the bank is gradually abandoning individual offers, leaving only the most convenient and necessary. As a result, in 2020, those who wish are able to choose only 2 options for consumer loans:

• Comfortable;
• Large.

In addition, the credit institution offers refinancing, which allows you to reduce the cost of covering debts to third parties.

It should be noted that such a narrow choice is explained by the presence in these options of all possible combinations of amounts and time. As a result, customers get the opportunity to independently customize the conditions for their own needs, without complicating the process of exploring numerous options.

VTB 24 official website: loans to individuals

Before considering VTB 24 loans for individuals in 2020 and interest rates, you should focus on the requirements for borrowers. They are the same for every money issuing program. Future debtors must:

1. be over 21 years old, but under 70 years old (by the time the debt is closed);
2. have a positive credit history;
3. be citizens of Russia and live in a region where there is a VTB branch;
4. have an official source of income;
5. working people need more than 1 year of experience;
6. the minimum wage must exceed 20 thousand (in Moscow - 30 thousand).

To confirm compliance with the listed requirements, it is necessary to collect the following documents:

• passport;
• certificate from tax 2-personal income tax or confirmation of income in the form of a bank;
• SNILS;
• if the loan amount exceeds 500 thousand, you will need a copy of the employment contract or book certified by the employer.

Without the listed papers, it is pointless to count on the issuance of money.

Loan processing

The next point worthy of the attention of borrowers describes the procedure for applying for loans. To receive money you will need:

1. write and submit an application;
2. give documents;
3. wait for the decision, which will arrive by SMS;
4. get money.

Separately, it should be noted that you can apply in 4 different ways:

• personally visiting the nearest branch;
• by filling out a special form on the official website;
• by calling the contact number and providing the necessary information to the operator;
• ordering a call back.

The application itself contains only the most useful and important information, including passport details, contact information and the amount of the desired loan. Consideration of the submitted application takes 2-3 days, but sometimes a positive response is received within a few hours. Applications of persons receiving salaries on the VTB card are considered especially quickly.

VTB 24 loans to individuals: interest rates 2020

As mentioned above, a financial institution offers only 2 options for issuing a loan. "Convenient" involves receiving money on the following conditions:

• the maximum allowable borrowing amount is 399,999 rubles;
• the interest rate depends on the reliability of the borrower and ranges from 16 to 22 percent;
• the repayment period can reach 5 years, but cannot be less than six months.

Those wishing to take a loan "Large" must rely on:

1. amount from 400 thousand to 5 million;
2. overpayment from 15% to 15.5%;
3. the repayment period coincides with the previous one and ranges from 6 to 60 months.

These are the main conditions of VTB's current loans to individuals and interest rates. The calculator available on the VTB website will allow you to understand the features of receiving money and clarify the exact amount of monthly payments. It is worth using it even before applying.

Refinancing

The refinancing program deserves special attention. It allows you to repay loans in other banks by obtaining a new, more profitable loan from VTB. According to the main provisions of the program, debtors will be able to:

• get from 100 thousand to 3 million;
• at an interest rate of 13.5 to 15 percent per annum;
• for up to 5 years.

It is important to add that only those who have not allowed late payments, have no debts and must pay at least 3 more months will be able to use this program. Accepted currency is only rubles. If these options are suitable, you should use the standard procedure for applying for a loan.